Meet Microsoft 365 Premium: Your AI and productivity powerhouse

Productivity is at the heart of our mission to help every person on the planet achieve more. And we believe that embedding AI into the flow of work unlocks new levels of productivity, helping everyone work smarter, faster, and more creatively. That’s why we’re continuing to deeply integrate Copilot, our powerful AI assistant, into our best-in-class productivity apps. Earlier this year, we brought Copilot¹ in Word, Excel,² PowerPoint, OneNote, and Outlook to our Microsoft 365 Personal and Family subscribers. Today, we’re taking a big step forward with major updates to our individual subscription lineup, combining the best of AI and productivity at an unbeatable price. Here’s what we’re announcing today:

• We’re launching Microsoft 365 Premium, our most powerful AI and productivity subscription for individuals.
• We’re bringing higher usage limits to select Copilot features in our Microsoft 365 Personal and Family plans—at no extra cost.
• We’re bringing Copilot Chat in our Microsoft 365 apps to our individual subscribers.
• We’re making it easier to bring Microsoft 365 Copilot to work in a secure way.
• We’re bringing our Frontier program to individual subscribers, offering access to experimental Copilot features in the Microsoft 365 apps.
• We’re expanding our limited-time student offer to more markets around the world.
• We’re introducing updated icons for Word, Excel, PowerPoint, OneNote, Outlook, and more that reflect the new era of AI.

Whether you’re a career professional looking for an edge at work, a solopreneur building a new business from scratch, or a busy parent staying on top of your day, our Microsoft 365 individual subscriptions make it easier than ever to apply the power of AI across work and life.¹ Get started for free and see what you’re capable of.

Meet Microsoft 365 Premium, our most powerful subscription for individuals

Our customers told us they wanted the convenience of our best AI and productivity tools in a single subscription. So today, we’re introducing Microsoft 365 Premium, our most powerful subscription for individuals. Microsoft 365 Premium combines everything in our Microsoft 365 Family and Copilot Pro subscriptions—and then some—for just $19.99 per month, bringing together the productivity apps you know and trust with our most advanced AI features and our highest usage limits available today. This new subscription was built specifically for any individual looking to tackle the most demanding productivity tasks, from conducting deep research into a new business idea to nailing an important presentation at work. Here’s what’s included in Microsoft 365 Premium:

• Our trusted Word, Excel², PowerPoint, OneNote, and Outlook desktop apps with Copilot built in¹
• Access to Researcher and Analyst—powerful reasoning agents announced for our commercial customers earlier this year (available in the Microsoft 365 Copilot desktop app today and coming soon to the Word, PowerPoint, and Excel apps)¹
• Early access to innovative features like Office Agent and Agent Mode that transform a single prompt into expert-quality documents, spreadsheets, and presentations. 
• Our highest usage limits for select features like 4o image generation and Voice (coming soon) in the Microsoft 365 Copilot, Word, Excel, PowerPoint, OneNote, and Outlook apps
• Our highest usage limits for select features like 4o image generation, Podcasts, Deep Research, Vision, and Actions in the Copilot app^{1, 3}
• Access to our new Photos Agent in the Microsoft 365 Copilot app (coming soon)
• 1 TB of secure cloud storage per person
• Microsoft Defender advanced security
• And much more

With these changes, we’re simplifying our subscription lineup. With Microsoft 365 Premium, new customers can start fresh, and existing Microsoft 365 Personal and Family subscribers can easily upgrade. As part of this simplification, we’ll no longer sell Copilot Pro—Copilot Pro subscribers can switch to Microsoft 365 Premium for more value. Customers with both Microsoft 365 Personal or Family and Copilot Pro can switch to Microsoft 365 Premium and get everything they had before while enjoying meaningful savings.

Get even more Copilot in Microsoft 365 Personal and Family

We’re also bringing higher usage limits than our free tier for select Copilot features to millions of Microsoft 365 Personal and Family subscribers.¹ These include:

• 4o image generation (available in the Copilot app, Microsoft 365 Copilot app, Word, Excel, and PowerPoint apps)
• Voice (no limits in the Copilot app; coming soon to Word, Excel, PowerPoint, OneNote, and Outlook with higher usage limits)
• Podcasts (available in the Copilot app)
• Audio overviews (available in Notebooks in the Microsoft 365 Copilot app) 
• Vision (available in the Copilot app)
• Deep research (available in the Copilot app)

These changes are starting to roll out today for our Microsoft 365 Personal and Family subscribers.

Get started with Copilot Chat in the Microsoft 365 apps

In September, we brought a new Copilot Chat experience in our Microsoft 365 apps to our commercial customers. Today, we’re officially announcing that experience is available for our individual subscribers, creating a unified chat experience across the apps millions of people use every day. This update makes Copilot your true personal AI assistant for getting things done. Whether you’re drafting a document, analyzing a spreadsheet, or catching up on email, Copilot is right there in the flow of your work ready to answer questions, create content, spark ideas, and automate tasks.

Bring Copilot to work in a secure way

Many people are already bringing their own AI to work. In fact, our latest Work Trend Index found that 82% of employees are using unsanctioned AI tools on the job.⁴ With Microsoft 365 Premium, we’re giving them a secure way to do it. With Microsoft 365 Copilot in Microsoft 365 Personal, Family, and Premium, you get the AI advantage that can give your career an edge while your organization benefits from Enterprise Data Protection in Copilot. This includes secure infrastructure, multiple compliance certifications, respect for your organization’s file permissions, protection against harmful content and prompt injections, Customer Copyright Commitment, no training of foundation models on your data, and more.⁵

To use select Microsoft 365 Copilot features with your Word, Excel, or PowerPoint documents at work, simply open the file saved in your organization’s OneDrive or SharePoint. You may have to first sign in with the Microsoft account associated with your Microsoft 365 Personal, Family, or Premium subscription, which you can do by clicking on the account switcher in the top right of your app and selecting “Add an account.” This capability works with Word, Excel, PowerPoint, OneNote, and Outlook on Windows PC, Mac, iPad, and more. And because every organization is different, administrators will also have the option to enable or disable this functionality as needed.

Learn how Copilot in Microsoft 365 boosts your productivity

Copilot in Microsoft 365 keeps getting better, unlocking new ways of saving time and getting the results you want with less effort. Here are several new ways to use Copilot¹ to boost productivity:

• Need to gather some deep insights but short on time? With Researcher in Word, you can gather, analyze, and summarize web or file-based insights in minutes. All without leaving your document. Coming soon for Microsoft 365 Premium subscribers.

• Got customer feedback but not the time to dig through it? Analyst in Excel helps you turn raw insights into clear, actionable to-dos. Coming soon for Microsoft 365 Premium subscribers.

• Struggling to find the perfect image for your presentation? With Image Generation in PowerPoint, you can create custom visuals in seconds. Just describe what you need and Copilot brings it to life. Available now for Microsoft 365 Personal, Family, and Premium subscribers.

• Pressed for time before your next meeting? With Voice in Word you can ask Copilot for instant talking points. No typing or switching apps, just fast, hands-free support. Coming soon for Microsoft 365 Personal, Family, and Premium subscribers.

Access experimental Copilot features in Microsoft 365 with the Frontier program

Looking to access our latest innovations? On September 29, we announced that our Frontier program is expanding beyond organizations to individual subscribers. Microsoft 365 Personal, Family, and Premium subscribers can now access experimental AI features like Office Agent, Agent Mode in Excel, and Agent Mode in Word.

Students around the world can now get 1 year of Microsoft 365 Personal for free

In early September, we announced that college students in the US are eligible to get 1 year of Microsoft 365 Personal for free for a limited time. We are now extending that offer to most markets around the world. University students can sign up to access this free offer beginning today through October 31, 2025 (valid university email address required).

Introducing new app icons designed for the AI era

Finally, Word, Excel, PowerPoint, and the rest of your trusted tools have new life with Copilot, and now their icons will show it. The newly designed Microsoft 365 icons reflect a strategic shift in Microsoft 365—unified, intuitive, and designed for flow across every canvas. As Copilot connects Microsoft 365 apps into a single, intelligent experience, the icons embody that transformation with cleaner shapes, vibrant colors, and a connected design system nodding to Copilot’s influence. The icons are rolling out in the coming weeks across web, desktop, and mobile for both individuals and organizations.

See how our Microsoft 365 plans compare

We have a Microsoft 365 subscription plan for everyone, from individuals looking to get started with AI and productivity tools, to busy families trying to calm the chaos, to professionals looking to put AI to work and gain an edge. See a summary of our plans below or see plans and pricing in detail.

While Microsoft 365 Premium is a powerful new offer for individuals, Microsoft 365 Copilot remains the best-in-class Copilot experience for organizations. It combines secure AI chat and agents with the latest models from OpenAI and Anthropic, grounded in your work data—meetings, emails, chats, documents, and more. IT teams can lead and manage at scale with the Copilot Control System and Copilot Analytics to measure impact and return on investment (ROI). Looking to unlock Microsoft 365 Copilot for your team or organization? See options.

Get Microsoft 365 today

Current Microsoft 365 Personal or Family subscribers: your new advanced Copilot features are rolling out now, no action needed.

Want it all? Upgrade to Microsoft 365 Premium today for $19.99 per month and unlock the best of Microsoft AI and productivity.

Required disclaimers:

App availability varies by device/language. Features vary by platform. Minimum age limits may apply to use of AI features. Details.

¹ AI features only available to subscription owner and cannot be shared; usage limits apply. Learn more.

² Copilot in Excel requires AutoSave to be enabled, meaning the file must be saved to OneDrive; it doesn’t function with unsaved files.

³ Copilot Actions is not currently available in the European Economic Area; coming soon.

⁴ The findings published in this blog are based on a subset of data from Microsoft’s 2025 Work Trend Index research. These findings focus specifically on workers who use generative artificial intelligence (AI) tools at work provided by their organization and are drawn from the responses of 26,269 workers across 31 countries. The full 2025 Work Trend Index is based on research conducted by Edelman Data x Intelligence, which surveyed 31,000 full-time employed or self-employed knowledge workers across 31 markets between February 6 and March 24, 2025. The 20-minute online survey was conducted in English or translated local languages, with 1,000 full-time workers surveyed per market. In the U.S., an additional sample of 4,500 respondents was collected across nine metro areas. In addition to the survey, Microsoft conducted qualitative interviews with scientists, academics, customers, business leaders, and startup founders across a range of industries and company sizes. These conversations helped shape the broader findings in both the report and this blog.

⁵ Some of the specific controls will vary depending on your subscription plan.